Member of the Colorado Bar Association

Board Member of
the Colorado Collaborative Divorce Professionals


When the Simple Becomes Complex:

Huettner Capital is a residential and commercial real estate lender. We handle all types of financing and specialize in complex transactions.

These situations typically involve self-employment, multiple properties, wealth management, investment property, relocation, and divorce to name a few. However, most people do not realize how frequently their situation is too complex for the typical lender to handle effectively.

Getting these loans done is not the problem. The problem is the people getting most borrower’s their loans. They simply have far too little knowledge and experience to get anything other than the cookie cutter loan done in less than several months. This is the reason why the traditional loan origination process just doesn’t work any more.

Creating a team and new loan process that works with full documentation loans, especially the complex ones, was the whole point in starting Huettner Capital from the very beginning. Welcome to the solution!

Specialty Mortgage Services

AsianFamHuettner Capital offers residential and commercial loans for nearly every situation. The difference is how we offer those loans.

Instead of the traditional bank approach focusing on a large number of applications with call center “experts”, Huettner Capital is a small group of true professionals that provide a much higher level of service with personalized attention. Other lenders simply cannot match the depth and breadth of experience and knowledge we offer. You can see the difference from the beginning with our proven yet unique loan process.

Our loan process was originally designed for complex loans. It turns out it also works much better than tradtitional models for all loans now that all loans are all full documentation. Specifically, it reduces the risk of underwriting surprises saving you time and money. There are only a few differences, but the difference in our results are numerous.


Rather than having our clients spend hours filling out a loan application that won’t be perfect anyway, we do it for you. We complete 90% of the application from required documentaiton we will have to have anyway and then we get the rest in a quick follow up phone call or with a few emails.


Obtaining the documentation in advance also enables us to review it for completeness and accuracy. As a result, we can anticipate and resolve problems before submitting the loan vastly increasing your chances for quick approval and closing.

Streamlined Underwriting

To be fair, underwriters do not know what they need until they know they need it. However, the traditional loan process limits your contact to a group of “experts” who may have been selling cell phone covers at the mall six months ago. This leads to delays, inaccuracies and frustration when you have to provide information once a week for months on end.

With our underwriting experience, we ask the right questions during the application process resulting in faster and far more accurate underwriting decisions. The best part is we typically only need a few final items to be ready for closing. This skill is critical with lending criteria rising in recent years.


Our philosophy is to empower clients by educating them about their situation and providing them with the information they need to make informed decisions. We want you to do more than just take our advice. We want you to make the decision that works best for you with confidence. When you understand your needs and options you can move forward with confidence eliminating second guessing.

Additional Services

We support our clients through the loan process in many other ways including:

– Provide current interest rate information and rate lock strategies to avoid typical mistakes.
– Checklists to eliminate the most common costly borrower mistakes at closing.
– Assist clients with permanent corrections to their credit reports instead of short-term fixes to just get the loan done.
– Advise clients how they can improve their credit score going forward.
– Show clients how to properly separating their finaces from an ex-spouse, business partner, or life partner.

Our Latest Insights

Can I Buy a Home in Colorado? First-Time Home Buying Made Easy

Thinking about buying your first home but worried it might be too complicated? You’re not alone. Many first-time buyers in Colorado feel overwhelmed by the idea of navigating real estate markets and mortgage details. That’s where we come in. At Huettner Capital, we specialize in making the home buying process

Read More

Joint Debt After Divorce: Who Pays What?

Navigating the financial aftermath of a divorce is often as complex as managing the emotional toll, especially when it comes to joint debt. At Huettner Capital, we understand that redefining your financial obligations alongside your personal life is crucial. Whether it’s mortgages, car loans, or credit card debts, knowing who

Read More

Refinancing Your Home After a Divorce: What You Need to Know

Refinancing Your Home After a Divorce: What You Need to Know By Todd Huettner As you’re well aware, divorce brings its own set of challenges with one of the toughest challenges being sorting out what happens with the family home. If you’re considering refinancing the home in just one name as

Read More

The Importance of Specialized Knowledge in Divorce Financing

The Importance of Specialized Knowledge in Divorce Financing By Todd Huettner When it comes to divorce financing it requires expertise and personalized attention to detail. This is where Huettner Capital sets itself apart. With a focus on both residential and commercial loans for nearly every situation, we go beyond the traditional

Read More

The Divorce Hour with Ilyssa Panitz

Check out our own Todd Huettner on Ilyssa Panitz’s podcast The Divorce Hour explaining why couples want alternatives to the traditional destructive divorce process and the options to stay in control of the process, professionals, and their agreements.

Read More
MicrosoftTeams image 14

6 Homebuying and Mortgage Tips for Retirees

Buying a new home is a logistical and financial challenge no matter your age (or how many times you’ve done it). But our mortgage and lending system can be especially challenging for retirees to navigate, simply because lenders prioritize income.

Read More